Well said @josediccus.
The Nigerian factor especially as it relates to time is a conversation most Nigerians are not ready to have and tell themselves the truth.
I believe the approach people generally have to time, impacts the total outcome of their lives. But a lot of people seem to not know this or choose to ignore it, I guess.
You're spot on, in most cases time well managed gives more room to productivity. I believe this is mostly the reason why many set out to achieve a lot but can only achieve few of the things they actually set out to do. It's a relevant issue especially when it comes to finance.
I concur...